Cpm Federal Credit Union

Headquarters: North Charleston, South Carolina
Charter: Credit Union
Assets: $759.3M
Fed district: Richmond

26 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 31, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Essentials Checking
Cpm Federal Credit Union: $6.95
Cpm Federal Credit Union: $6.95
U.S. median: no median
Overdraft (OD)
Cpm Federal Credit Union: $32
Cpm Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Cpm Federal Credit Union: $32
Cpm Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for South Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
South Carolina: Banks and credit unions headquartered in South Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Cpm Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Essentials Checking Monthly Maintenance Fee$6.95
per month
Checking Plus Average Daily Balance drops below $200.00$3
Performance Money Market Average Daily Balance drops below $1,000$10
Account Closure Fee (Applies if Main Savings Account is closed within 90 days of opening date)$10
Inactive Account Fee (Applies if the account has been inactive for 1 year and member only has a savings account)$5
per month
Account Research/Balancing Assistance$35
Not compared: Charged per hour; comparison unavailable
per hour · Account Research/Balancing Assistance | $35.00 per hour | Sign up for CPM Anytime
Paper Statement Fee (Free 18 years and under or 55 years and over)$3
Not compared: Charged per statement; comparison unavailable
per statement · Paper Statement Fee (Free 18 years and under or 55 years and over) | $3.00 per statement | Sign up for eStatements
Excessive Withdrawal Fee (3 free withdrawals from Main Savings Account allowed per month)$3
per item
Performance Money Market - Excessive Withdrawals (over 6 per month)$10
Bad Address$5
per month
Stale Check locator fee$10

Overdraft & NSF

Overdraft Privilege Fee (Opt-in required for Paper Notification)$32
per item
Non-Sufficient Funds (NSF, ACH, ATM, Check Card, Internet Bill Pay)$32

ATM & Card

Out of network ATM inquiry$0.50
per item
Out of network ATM withdrawal$2.50
per item
Card Replacement$5
Replace ATM card/Debit card$7

Wire Transfers

Outgoing Wire Transfer$30
Incoming Domestic Wire Transfer$15
Outgoing Foreign Wire Transfer$40
Incoming Foreign Wire Transfer$15

Check Services

Cashier's/Official Check$5
Not compared: Daily charge, not per item
per day
First Cashier Check Each DayNo charge
Money Orders$2.50
per item
Stop Payment (Draft, ACH, Internet Bill Pay)$32
per item
Check Copies$2
per item

Digital & Electronic

Zelle© (person-to-person) TransfersNo charge

Cash & Deposit

Coin Counter Fee (non-members only)10%
Coin Counter Services (at applicable locations)No charge

Account Services

Notary ServicesNo charge
Safe Deposit Box 10 x 10$90
Safe Deposit Box 3 x 10$45
Safe Deposit Box 3 x 5$30
Safe Deposit Box 5 x 10$60
Mortgage Subordination$250

Lending Fees

Late fee5%
Late fee (audience not stated, treated as personal)5%

Gift & Prepaid Cards

Gift Card Purchase$4

Other Fees

Account Activity Printout/Statement Copy Fee$5
Document Copy$2
per item
Loan payment by ACH (single transaction or recurring)$1.95
per item
Loan Payment with debit card$8.95
per item
Payoff - Signed payoff letter on letterhead for consumer loan$15
Skip-a-Pay fee (per loan) Offered Seasonally$25
per item

Fee	Amount	Basis	Note
Account Maintenance
Essentials Checking Monthly Maintenance Fee	$6.95	per month	None
Checking Plus Average Daily Balance drops below $200.00	$3	Not stated	None
Performance Money Market Average Daily Balance drops below $1,000	$10	Not stated	None
Account Closure Fee (Applies if Main Savings Account is closed within 90 days of opening date)	$10	Not stated	None
Inactive Account Fee (Applies if the account has been inactive for 1 year and member only has a savings account)	$5	per month	None
Account Research/Balancing Assistance	$35Not compared: Charged per hour; comparison unavailable	per hour	Account Research/Balancing Assistance \| $35.00 per hour \| Sign up for CPM Anytime
Paper Statement Fee (Free 18 years and under or 55 years and over)	$3Not compared: Charged per statement; comparison unavailable	per statement	Paper Statement Fee (Free 18 years and under or 55 years and over) \| $3.00 per statement \| Sign up for eStatements
Excessive Withdrawal Fee (3 free withdrawals from Main Savings Account allowed per month)	$3	per item	None
Performance Money Market - Excessive Withdrawals (over 6 per month)	$10	Not stated	None
Bad Address	$5	per month	None
Stale Check locator fee	$10	Not stated	None
Overdraft & NSF
Overdraft Privilege Fee (Opt-in required for Paper Notification)	$32	per item	None
Non-Sufficient Funds (NSF, ACH, ATM, Check Card, Internet Bill Pay)	$32	Not stated	None
ATM & Card
Out of network ATM inquiry	$0.50	per item	None
Out of network ATM withdrawal	$2.50	per item	None
Card Replacement	$5	Not stated	None
Replace ATM card/Debit card	$7	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$30	Not stated	None
Incoming Domestic Wire Transfer	$15	Not stated	None
Outgoing Foreign Wire Transfer	$40	Not stated	None
Incoming Foreign Wire Transfer	$15	Not stated	None
Check Services
Cashier's/Official Check	$5Not compared: Daily charge, not per item	per day	None
First Cashier Check Each Day	No charge	Not stated	None
Money Orders	$2.50	per item	None
Stop Payment (Draft, ACH, Internet Bill Pay)	$32	per item	None
Check Copies	$2	per item	None
Digital & Electronic
Zelle© (person-to-person) Transfers	No charge	Not stated	None
Cash & Deposit
Coin Counter Fee (non-members only)	10%	Not stated	None
Coin Counter Services (at applicable locations)	No charge	Not stated	None
Account Services
Notary Services	No charge	Not stated	None
Safe Deposit Box 10 x 10	$90	Not stated	None
Safe Deposit Box 3 x 10	$45	Not stated	None
Safe Deposit Box 3 x 5	$30	Not stated	None
Safe Deposit Box 5 x 10	$60	Not stated	None
Mortgage Subordination	$250	Not stated	None
Lending Fees
Late fee	5%	Not stated	None
Late fee (audience not stated, treated as personal)	5%	Not stated	None
Gift & Prepaid Cards
Gift Card Purchase	$4	Not stated	None
Other Fees
Account Activity Printout/Statement Copy Fee	$5	Not stated	None
Document Copy	$2	per item	None
Loan payment by ACH (single transaction or recurring)	$1.95	per item	None
Loan Payment with debit card	$8.95	per item	None
Payoff - Signed payoff letter on letterhead for consumer loan	$15	Not stated	None
Skip-a-Pay fee (per loan) Offered Seasonally	$25	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 31, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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